Insurance Plans Comparison
TATA AIG Medicare vs Niva Bupa Aspire Platinum+
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Tata AIG Medicare
What Makes It Special:
Tata AIG MediCare is a comprehensive health insurance plan that provides coverage for inpatient hospitalisation, Day Care Treatment, pre and post-hospitalisation expenses, domiciliary treatment and AYUSH treatment. The policy also includes benefits such as automatic restoration of the Sum Insured, Cumulative Bonus, preventive health check-ups, second medical opinion and additional...
Best For:
Customers who value additional healthcare services such as preventive health check-ups and second medical opinions.
Individuals looking for additional protection through restoration and Cumulative Bonus benefits.
Customers who want coverage for domiciliary treatment and AYUSH treatment.
Families looking for health insurance with Family Floater coverage.
Individuals looking for comprehensive hospitalisation and Day Care Treatment coverage.
VS
Aspire Platinum+
Health insurance with high cumulative cover, maternity benefits and premium protection linked to entry age.
What Makes It Special:
Niva Bupa Aspire Platinum+ combines comprehensive hospitalisation coverage with Booster+ accumulation of unused Base Sum Insured, ReAssure Forever and Lock the Clock. It also includes M-iracle maternity-related benefits with a 9-month waiting period, subject to eligibility, limits and policy conditions.
Best For:
Buyers seeking broad hospitalisation and eligible day-care coverage.
People who want their premium to remain linked to their entry age until a qualifying claim is paid.
Buyers who value additional cover after an eligible claim.
Individuals and families planning for eligible maternity-related expenses.
People looking to build up unused health cover over successive policy years.
Insurance Plans Comparison
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Quick Decision Guide
The policy also provides additional benefits such as preventive health check-ups, second medical opinion and other healthcare support, subject to the applicable limits and conditions.
Domiciliary Treatment is covered when the treatment exceeds three days and the applicable policy conditions are satisfied.
A 50% Cumulative Bonus is added after each claim-free policy year, up to a maximum of 100% of the Sum Insured, subject to policy conditions.
The policy provides automatic restoration of the Basic Sum Insured after the Sum Insured and accrued Cumulative Bonus are exhausted, subject to applicable conditions.
Consider Tata AIG MediCare if you want coverage for inpatient hospitalisation, Day Care Treatment, pre-hospitalisation and post-hospitalisation expenses.
Compare premiums and waiting periods against other Aspire variants before choosing.
Check the policy schedule for room category, co-payment, deductible and any optional benefits.
Understand that ReAssure Forever is triggered by the first paid eligible claim and has a per-claim limit.
Review the 9-month M-iracle waiting period and the benefit’s eligibility conditions before relying on maternity cover.
Choose this variant if Booster+ accumulation is a priority and you understand its age-based limits.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Health Insurance Plan VS VS |
Aspire Platinum+ Health Insurance Plan |
| Room Rent |
|---|
Medicare
|
VS VS |
Aspire Platinum+ All room categories are covered |
| ICU Charges |
|---|
Medicare 4% of Sum Insured per day |
VS VS |
Aspire Platinum+ No restriction on ICU room rent |
| Co-payment |
|---|
Medicare No Specific Mandatory Co-payment Mentioned |
VS VS |
Aspire Platinum+ Available as an option |
| Disease-wise sublimits |
|---|
Medicare Applicable to Specified Treatments |
VS VS |
Aspire Platinum+ No |
| Waiting Period |
|---|
Medicare
|
VS VS |
Aspire Platinum+ Information Unavailable |
| Cashless Healthcare Providers |
|---|
Medicare 11,000+ Cashless Hospitals |
VS VS |
Aspire Platinum+ 10,000+ Healthcare Providers |
| Restoration Benefit |
|---|
Medicare Available Once for Road Traffic Accident |
VS VS |
Aspire Platinum+ Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Daycare Treatment |
|---|
Medicare Cover expenses for listed Day Care Treatment due to disease/illness/injury during the policy period taken at a hospital or a Day Care Centre. |
VS VS |
Aspire Platinum+ Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Cumulative Bonus |
|---|
Medicare 5% of Sum Insured per claim-free year |
VS VS |
Aspire Platinum+ Unutilised sum insured can be carried forward up to 10X (entry age 18–35 yrs), 5X (entry age 36–45 yrs), and 3X (entry age 46+ yrs) |
| AYUSH Treatment |
|---|
Medicare Cover for expenses incurred for treatment as in-patient in AYUSH Hospital. |
VS VS |
Aspire Platinum+ Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Medicare Not Covered as a Separate Benefit |
VS VS |
Aspire Platinum+ No. However, available as an add-on |
| Initial Waiting Period |
|---|
Medicare 30 Days |
VS VS |
Aspire Platinum+ 30 days |
| Specific Waiting Period |
|---|
Medicare 24 Months |
VS VS |
Aspire Platinum+ 2 years |
| PED Waiting Period |
|---|
Medicare 36 Months |
VS VS |
Aspire Platinum+ 3 years |
| Modern Treatment |
|---|
Medicare Covered up to 25% of Sum Insured |
VS VS |
Aspire Platinum+ Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Medicare Available as per Policy Terms |
VS VS |
Aspire Platinum+ Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Medicare Covered for Up to 30 Days |
VS VS |
Aspire Platinum+ You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Medicare Covered for Up to 60 Days |
VS VS |
Aspire Platinum+ You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Not Covered under Base Policy |
VS VS |
Aspire Platinum+ OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage |
| Deductible Option |
|---|
Medicare Not Specified |
VS VS |
Aspire Platinum+ Available as an option |
| Coverage Options |
|---|
Medicare ₹1 Lakh to ₹10 Lakh |
VS VS |
Aspire Platinum+ Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr |
| Claim Settlement Ratio |
|---|
Medicare Not Specified |
VS VS |
Aspire Platinum+ 92.02% |
| Maternity Cover |
|---|
Medicare Not Covered |
VS VS |
Aspire Platinum+ Available |
Insurance Plans Comparison
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Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
Family Health Plan
One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs
Maternity Health Plan
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Insurance Plans Comparison
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